Assistant Manager – Credit Analyst, Retail Credit at I&M Bank

Job Description

Roles & Responsibilities
PURPOSE:

To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions.
PRIMARY RESPONSIBILITIES:

Reviewing, analyzing, and vetting credit proposals and making recommendations to the approving authorities
Ensure requisite documentation and checks are done prior to processing of the applications
Ensure all applications are processed within benchmarked turnaround times
Approvals within delegated authority
Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
Identifying areas of weakness and risks in credit process and escalation these to team leader
Any other duties assigned from time to time

QUALIFICATIONS AND COMPETENCIES REQUIREMENTS:

Academic Qualifications

Bachelor’s degree in Business or a related field from a recognized Institution.
Professional Banking or Accountancy qualifications will be an added advantage

Experience and Core Competencies

At least 5 years 2 of which should be in Retail Credit
Excellent knowledge of all Retail Banking products
Excellent communication and interpersonal skills
Advanced financial risk analysis skills
Credit risk management skills
Excellent problem solving and decision-making skills